Date Received: 2022-09-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX my mother passed away. On the advice of my attorney ( he is in NY and I now currently live in XXXX ) I submitted an affadavit in support of funds to have the funds from the account sent to me. On XX/XX/XXXX they closed the account and said the funds were sent to me. I have never received this check and have since been in constant contact with Keybank in XXXX, NY to have the check stopped and reissued to me as stated in the affadavit. This should have been a simple task and now over 3 months later I am still fighting for it.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an extension of credit with Keybank. XXXX the branch manager reached out to me to inform me that I was denied over the phone. Key bank sent adverse action via cfpb portal but not to my mailing address. KeyBank mentions that they are unable to approve me for the following reasons : Business out of footprint and without necessary existing relationship with KeyBank Lack of experience with present account. Ive provided Keybank with my business address that is within their blueprint. I also have business partners who also have brand new accounts with Keybank and doesn't stay within the blueprint but has a business address within the blueprint and they received an extension of credit. KeyBank has discriminated against met and I would like to CFPB assistance in getting resolution. This is a direct violation of my consumer rights 15USC 1602 tells me credit is my right. I can not be denied a right. Key bank has discriminated against me. 15 USC 1691 makes it clear that I cant be discriminated against.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened a checking account with Key Bank under a promotion to receive a {$200.00} bonus if I met certain requirements. I met each of those requirements, but Key Bank has refused to pay out the {$200.00} bonus as promised under the terms of the offer. The terms of the offer stated you were not eligible if you had an account with Key within the prior 12 months. I had previously had a checking account with Key, but that account had been closed on XX/XX/XXXX, which was more than 12 months prior of the account I opened on XX/XX/XXXX for the {$200.00} bonus offer. However, Key is claiming that I had an account in the prior 12 months and that is why they arent paying out the bonus. One Key Bank representative I chatted with was able to confirm that I had submitted the account closure request on XX/XX/XXXX via chat ( at which time I was told the account would be closed right away ). However, multiple Key representatives I chatted with claimed that my account hadnt been closed until XX/XX/XXXX ( Ive attached a screenshot of one of these claims from a representative ). XXXX only has 30 days, so it isnt even a real date theyre claiming my account was closed on XX/XX/XXXX. However, despite this they continue to claim their date is correct and it mustve been supposed to say XX/XX/XXXX, rather than admitting theres a possibility they have an issue with their records giving it has a made-up date as my previous account closure date. I have requested for Key to just go back and look at my chat log from XX/XX/XXXX and they can see all the details of my account closure request and being told the account closure request would be processed immediately. However, Key Bank is claiming that old chat logs are deleted after 30 days and so theres no way they can view it to confirm my claim. I understand that front-line representatives may only have access to 30 days of chat log history, but I find it difficult to believe the old records are permanently destroyed in such a way they can not be recovered to determine whether or not Key Bank is in breach of the terms of their offer by not paying out the {$200.00} bonus. So the two alternatives are either : XXXX. My previous account with Key Bank was actually closed on or around XX/XX/XXXX as requested and as I was told at the time ( one Key representative said the account closure can take up to XXXX business days at most, so maybe the closure date was supposed to be XX/XX/XXXX rather than XX/XX/XXXX? ). In which case Key Bank is in breach of the terms of this {$200.00} checking account bonus opened on XX/XX/XXXX, as I did not have an account within the prior 12 months. XXXX. Or else Key did not actually close my prior account until XX/XX/XXXX. This would mean they kept my account open for 36 days after my closure request without my knowledge or consent. I had been told the account would be closed right away, so this would mean I was deceived by Key Bank when I was told the account would be closed right away, and there was no way for me to know they wouldnt actually close the account until 36 days later. As I mentioned above, I was recently told by a representative that account closure requests are completed at the latest within 5 business days, so if it took 36 days for the account closure to be processed this would mean the lengthy delay in closure was due to an error on Key Banks part. It does not seem reasonable that I should be punished as not qualifying for the {$200.00} bonus due to something that was an error in Key Banks process, and occurred significantly later than Key Bank told me my account would be closed. So whichever one of those two alternatives is the case, I believe Key Bank should pay out the {$200.00} checking account bonus, because it is due to an error on Key Banks part that they have denied the bonus thus far. If Key Bank just goes back and looks at the chat record from XX/XX/XXXX with my closure request, they will be able to confirm that one of the two errors outlined above occurred on their part.
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I received a prepaid debit card from the Department Of Labor through Key Bank on XX/XX/2022. After accessing my account on XX/XX/2022 my account was closed on XX/XX/2022. After numerous recorded conversations with customer service and supervision. Absolutely no answers were given as to why this happened. I contacted the Attorney General 's office and was told also that this shouldn't have happened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX a month taken from my account. Changed debit card. Did not help. So closed account to stop the theft. Then got a {$350.00} bill. I should not have a bill over theft issue.
Company Response:
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a check for an Escrow Surplus. On XX/XX/XXXX, I realized I had not cashed the check, so I contacted Key Bank and spoke with XXXX. She informed me they were aware, and that they would issue a new check for the same amount. She mentioned I would receive the check within ten business days and that I should not cash the old check. For this reason, I wrote void on the check and kept it in my personal file. I never received the new check, so I call the bank back. On XX/XX/XXXX, I spoke with XXXX, where she apologized and told me they would issue the new check within five days. Once again, I did not receive the new check, so I called them back. On XX/XX/XXXX, I spoke with XXXX where she claimed they were aware of the situation and she requested I send a copy of the uncashed check to a person at the bank named XXXX at XXXX. During each conversation, they stated they would contact me if they wanted more information from me. Again, they did not send the check as they promised, nor did they contact me. After I complained to them about their poor service, XXXX called me on XX/XX/XXXX, to inform me they would XXXX the new check to compensate for their poor service. Because no check arrived, I had to call the bank back to inquire further on XX/XX/XXXX. I spoke with XXXX who claimed that they tried to reach me via my email ; however, this was another lie. By this point, she referred me to XXXX, and told me I would probably have to call the Ohio Department of Commerce to request the money owed to me by Key Bank. She also mentioned that XXXX would call me back to see what could be done. After some time, XXXX called me and told me he did not know about the situation although he had the notes from the previous calls, and he stated he would get back with me after he investigated the matter. Time passed, and he finally returned my call. He informed me they could do nothing about the check and that I would have to contact the Ohio Department of Commerce to request my funds. When I called the Ohio Department of Commerce, they mentioned the bank did not send my check to them and that it would probably take time to research the matter. I feel the Bank has been giving me the run-around and intended for me to give up on the amount so they could keep the funds. If they are doing this with me, I feel this is a systemic problem.
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX sent me several letters stating that the accounts that I previously disputed were not on my credit report however upon checking my credit report on XX/XX/XXXX it shows that KeyBank is still on my credit report and that it is a closed collection account. they stated that the accounts I disputed were not on my report, so why am I still seeing KeyBank on my XXXX consumer report? I have not given them nor the creditor permission to furnish this account on my credit report also this shows that this is a collection account how can this be a debt that I owe if this debt was already paid for upon my signature and my social security number. I have blindly been paying that debt twice, I will let KeyBank know that I am aware of their fraudulent and bad business practices. I now demand XXXX to, immediately upon notice of this billing error, delete the account from my consumer XXXX credit report. This account has been deleted by XXXX XXXX and XXXX because theyre investigation determined that it was never supposed to be on my consumer report to begin with. So why didnt XXXX delete the account along with the other two bureaus??? When one bureau delete something they communicate or are supposed to communicate their investigation results with the other bureaus so that the other bureaus can go ahead and delete the accounts as well. Their investigation determined that the account should not have been on my report so why am I seeing this on my XXXX consumer report still? When in fact they told me that it had been deleted and that it was not on there anymore see attachments below. To whom it may concern ( CEO/Person of highest authorities ), I, XXXX XXXX XXXX The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that they're asking for isn't a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b " timing of payments '' states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b. What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d " Treatment of credit balances '' States " Whenever a credit balance in excess of {$1.00} ( see attachments for full quote ) Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldn't my account statement show a negative $ XXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}? None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This " debt '' that the creditor claims I owe does not belong to me. According to 18 USC section 8 " Obligation or other security of the United States defined '' States " The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps. '' All debts public and private are an obligation of the united states. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ). According to 15 USC 1666d section A, section B, section C, States " A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. '' I am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor KEYBANK has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ( s ) ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms '' States " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector The creditor has been racketeering and extorting money out of XXXX, XXXX XXXX ( the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 " Definitions '' States 1 ) " racketeering activity '' means ( A ) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; ( B ) any act which is indictable under any of the following provisions of title 18, United States Code : Section 201 ( relating to bribery ), section 224 ( relating to sports bribery ), sections 471, 472, and 473 ( relating to counterfeiting ), section 659 ( relating to theft from interstate shipment ) if the act indictable under section 659 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891-894 ( relating to extortionate credit transactions ), section 932 ( relating to straw purchasing ), section 933 ( relating to trafficking in firearms ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1084 ( relating to the transmission of gambling information ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), section 1351 ( relating to fraud in foreign labor contracting ) '' However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 5 days of receiving this notice. According to 15 USC 1666a " regulations of credit reports '' States, " ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title ( see attachments for full quote ) If my request is not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 5 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account. Keybank ( the creditor ) has also illegally stole my identity and sold it to several third parties. ( All attachments are considered " Attachment A '' ) These attachments show SEVERAL BAD BUSINESS PRACTICES/VIOLATIONS. There are about a total of 10-12 violations. I have been more than patient and nice trying to solve this with Keybank. They have failed to comply several times. Now is not the time for investigation for EITHER keybank & XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!! Now is the time to PAY ME!! According to the laws. Iate, past due, or due payments do not exist. It is illegal for a credit to make you pay debt twice especially on your own extension of credit from your XXXX XXXX XXXX i currently have a lawsuit undergoing against keybank and all three credit bureaus. They have also illegally sold this debt to several different debt collectors which is CLEARLY ILLEGAL AND FRAUD!!!! They have sold my identity several times!! ( see attachments below! Now is time they settle with my request before this could get really bad for them! I am not being nice anymore. XXXX also deleted accounts that i never gave them permission to delete!!! These were POSITIVE ACCOUNTS helping my credit score. I never disputed these accounts but they deleted them anyways. XXXX need to do any and everything in their power to get these accounts back on my credit report immediately ( see image below ) XXXX XXXX, XXXX XXXX XXXX Ive locked and placed a security freeze on all accounts with all snitches so how is it that every time the bureaus complete an investigation they determined that things were accurate Ive asked them where and how do they verify the information they proceeded to tell me XXXX XXXX or clarity systems how is it possible that they are verifying information through XXXX XXXX and clarity systems if when in fact Ive placed a security freeze on all of the sources. There is clearly some fraudulent activities going on with the bureaus and this is illegal accommodate all of my request and I will leave them alone but if they dont they will pay!! I AM NOT MY STRAWMAN I AM NOT MY SOE!!!!!!!!!! Kind Regards, Natural person and consumer XXXX : XXXX XXXX XXXX XXXX Without prejudice/recourse
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Last XXXX I disputed a debit withdrawal which was happening every month it was found in my favor 4 months latter they with drew the amount i was a warded out of the blue I live on XXXX ayear and don't have a dime to my name they are impossible to deal with I need help they take money out of my account when ever they want
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I contacted Key Bank today regarding three charges attached to my debit card that I didn't authorize or charge. This is the second time that this has happened. The bank is imposing on me a 90 " investigation '' period knowing this just happened to me the first time back in XXXX. Their fraud department is telling me that again they need 90 days to investigate the current three charges to my account which I clearly didn't make since I live in upstate New York and the charges were made yesterday in Florida and Texas. I chose to stay with this same bank after the first hack happened as I have been with them for 30 years with my XXXX XXXX I decision that I am now living to regret.
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, 2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. There were two charges from XX/XX/XXXX, one for {$54.00} and one for {$9.00}. I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. I have now filed two disputes with my bank regarding the situation. They denied the first dispute, saying that they needed additional proof. I called and spoke with someone who resubmitted my dispute and emailed the requested documentation. They have denied my claim for the second time, citing that I did not return the food or let the food be picked up for return and that there was no explanation as to why the food was incorrect. I fully detailed what the problem was both in my phone calls and via the email that was sent to key bank. I also included supporting photos, showing that the company was not willing to do anything to correct the situation and also showing the incorrect food. I'm not sure what key Bank is talking about when they say that supporting documentation was not provided, because I was very clear on the issues and again, supplied photos corroborating my story.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A